Van Dyke Injury Law Blog

If you’re receiving LTD benefits in Ontario, you want to do everything you can to make sure you continue getting those payments. In a previous post, we looked at five reasons that insurers cut off benefits; in today’s, we’re looking at one of the most important responsibilities you have when you are a recipient of […]

Whether you’ve been on LTD for a couple of months or a couple of years, it’s likely only a matter of time before your insurer tells you it’s time to start planning for your return to work. While receiving LTD benefits, participating in a return to work program as requested by the insurer is one […]

When it comes to taxes, things are rarely simple and straightforward–and that’s certainly the case with the taxation of disability benefits. Here are some general guidelines. As always, your individual circumstances may vary; it’s important to consult with a lawyer and/or tax professional. Are LTD Benefits taxable? That depends on who pays the premiums. If […]

Have you been denied LTD benefits? Or had them cut off? When claimants meet the policy definition of disability, yet continue to be denied benefits, one option is to pursue an insurance settlement. In today’s post, we will explain the two main types of LTD insurance settlements. Reinstatement This type of settlement is basically what […]

You’ve successfully applied for long-term disability and have started receiving benefits. The hard part is over, right? Maybe not. Remember: insurers look for any reason to pay as little as possible; they have a vested interest in making sure you are still entitled to those benefits long after the initial approval. In today’s post we […]

Do you feel overwhelmed or confused when talking about disability insurance? If so, you are not alone. Discussing disability insurance can feel like a whole other language. In today’s post, we will go over some common terms related to LTD and other disability insurance, to help you get a better grasp on them. Waiting Period […]

If you become sick or injured severely enough that you can’t work, one of your most pressing concerns will likely be how you can keep earning income to pay your bills or support your loved ones. But with many different government benefits and insurance benefits available though your private or group insurance, you may be […]

In our last post, we began discussing the ways that insurers monitor and use claimants’ social media for the purposes of denying applications or cutting off benefits. Here are three more important things to understand about how insurers look at your online activities. Privacy Settings May Not Matter It is wise to set your social […]

We’ve written before about the potential pitfalls of participating on social media while you have an active disability insurance claim. Now more than ever, insurers monitor claimants’ online activities because it is an inexpensive way to gather information, and so many people use at least one social media platform, like Facebook, Twitter or Instagram. In […]

Independent Medical Exams (IMEs) are a standard part of insurance claims. An IME is an exam that’s arranged and paid for by the insurer. It’s meant to be a neutral second opinion about your disability or health condition, and is performed by someone who has not previously been involved in your case or assessment in […]